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Publication
Paving the Way for Digital Financial Services in Jordan
As more customers turn to formal financial services, remittances will have an even stronger developmental impact, especially in countries with large numbers of people displaced by humanitarian crises. This report examines the financial ecosystem and regulations in Jordan for international remittances, domestic payments and mobile money.Publication
Money, Decisions, and Control
Advances in digital technologies and the increased availability of data can be used to support low-income customers to do more than make payments. These advances can help them to make financial decisions and develop strategies to manage their finances.Publication
Customer Empowerment in Finance
Financial services providers for low-income customers typically believe that their business case is based on expanding the number of accounts or the number of transactions made by these customers. This is only part of the equation to business success.Reading Deck
The Emerging Landscape of Digital Credit
Publication
When is Microcredit Unsuitable?
Rapid expansion in the microfinance sector has been credited with advancing financial inclusion in India. This paper addresses what might constitute a loan mis-sale and seeks to inform the use of suitability guidelines for lending to low-income households by microfinance institutions, self-help groups, and various banks.Publication
Deposit Insurance and Digital Financial Inclusion
This Brief summarizes issues relevant to deposit insurance arising from emerging digital stored-value products and offers three distinct approaches for countries to consider.Reading Deck
An Introduction to Digital Credit: Resources to Plan a Deployment
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms.Publication
Responsible Bundling of Microfinance Services
Financial institutions serving the poor can offer a range of savings, insurance, and even nonfinancial products in addition to their core credit products. Bundling these products into one packaged sale can be a cost-effective distribution strategy and a means to differentiate the provider’s offering by its added value to clients.Publication
The Role of Financial Services in Building Household Resilience
This paper draws upon formative research, “resilience diaries,” qualitative follow-up, and economic games to illustrate how families anticipate and cope with shocks in Burkina Faso. Designing for these household behaviors and preferences could improve financial services offered for building resilience.Publication